Respondent agrees to pay civil money penalty assessed by the FDIC in
the amount of $25,000.

In the Matter of
LYNN B. JONES,
individually, and as an institution-affiliated party of
CALVERT BANKCALVERT CITY, KENTUCKY(Insured State Nonmember Bank)
ORDER TO PAY

FDIC-03-181k

Lynn B. Jones ("Respondent") and a representative of the
Legal Division of the Federal Deposit Insurance Corporation
("FDIC") executed a Stipulation and Consent to the Issuance of an
Order to Pay ("CONSENT AGREEMENT") dated March 16, 2005, whereby
Respondent, solely for the purpose of this proceeding and without
admitting or denying any unsafe or unsound practices or breaches of
fiduciary duty for which civil money penalties may be assessed,
consented and agreed to pay a civil money penalty in the amount
specified below to the Treasury of the United States.

After taking into account the CONSENT AGREEMENT, the appropriateness of
the penalty with respect to the financial resources and good faith of
the Respondent. the gravity of the violations by the Respondent, the
history of previous violations by the Respondent, and such other
matters as justice may require, the FDIC accepts the CONSENT AGREEMENT
and issues the following:

ORDER TO PAY

IT IS HEREBY ORDERED, that by reason of the practices and breaches
of fiduciary duty set forth in paragraph 3 of the CONSENT AGREEMENT, a
penalty of $25,000 be, and hereby is, assessed against the Respondent.
The Respondent shall pay the civil money penalty to the Treasury of the
United States.

IT IS FURTHER ORDERED that the Respondent is prohibited from seeking or
accepting indemnification from any insured depository institution for
the civil money penalty assessed and paid in this matter.